{"id":16028,"date":"2026-08-10T08:00:00","date_gmt":"2026-08-09T22:00:00","guid":{"rendered":"https:\/\/geoffreychen.com\/?p=16028"},"modified":"2026-08-10T18:59:44","modified_gmt":"2026-08-10T08:59:44","slug":"why-medicare-is-not-completely-free","status":"publish","type":"post","link":"https:\/\/geoffreychen.com\/zh\/why-medicare-is-not-completely-free\/","title":{"rendered":"Medicare\u4e3a\u4ec0\u4e48\u4e0d\u662f\u5b8c\u5168\u514d\u8d39\u7684\u533b\u7597\uff1f"},"content":{"rendered":"<\/p>\n<p><em>\u6fb3\u6d32\u5236\u5ea6\u5982\u4f55\u8fd0\u4f5c \u00b7 \u7b2c1\u7bc7<\/em><\/p>\n<p><em>\u9002\u7528\u8303\u56f4\uff1a\u5168\u6fb3\uff1b\u5177\u4f53\u6536\u8d39\u4ee5\u670d\u52a1\u63d0\u4f9b\u8005\u4e3a\u51c6<\/em><\/p>\n<p>\u201c\u6709 Medicare\u201d\u4e0d\u7b49\u4e8e\u201c\u6bcf\u6b21\u770b\u75c5\u90fd\u514d\u8d39\u201d\u3002\u6700\u7b80\u5355\u7684\u7406\u89e3\u662f\uff1a<strong>Medicare \u662f\u516c\u5171\u533b\u7597\u652f\u4ed8\u5236\u5ea6\uff0c\u4e0d\u662f\u4e00\u5f20\u65e0\u9650\u989d\u7684\u514d\u8d39\u5361\u3002<\/strong><\/p>\n<h2>\u4e00\u5f20\u8d26\u5355\u600e\u6837\u88ab\u5206\u62c5<\/h2>\n<table>\n<thead>\n<tr>\n<th>\u73af\u8282<\/th>\n<th>\u53d1\u751f\u4ec0\u4e48<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u533b\u751f\u6216\u673a\u6784\u5b9a\u4ef7<\/td>\n<td>\u670d\u52a1\u63d0\u4f9b\u8005\u51b3\u5b9a\u6536\u8d39\uff1b\u6536\u8d39\u53ef\u80fd\u9ad8\u4e8e Medicare \u5bf9\u8be5\u9879\u76ee\u652f\u4ed8\u7684 benefit\u3002<\/td>\n<\/tr>\n<tr>\n<td>Medicare \u652f\u4ed8<\/td>\n<td>\u7b26\u5408\u6761\u4ef6\u7684\u9879\u76ee\u6309 Medicare Benefits Schedule \u89c4\u5219\u83b7\u5f97\u8865\u52a9\u3002<\/td>\n<\/tr>\n<tr>\n<td>\u60a3\u8005\u627f\u62c5<\/td>\n<td>\u6536\u8d39\u4e0e Medicare benefit \u4e4b\u95f4\u7684\u5dee\u989d\uff0c\u5c31\u662f\u5e38\u8bf4\u7684 gap \u6216 out-of-pocket cost\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Bulk billing \u662f\u4f8b\u5916\u7684\u5173\u952e\uff1a<\/strong>\u63d0\u4f9b\u8005\u76f4\u63a5\u5411 Medicare \u7ed3\u7b97\uff0c\u5e76\u63a5\u53d7 Medicare benefit \u4f5c\u4e3a\u8be5\u9879\u670d\u52a1\u7684\u5168\u989d\u4ed8\u6b3e\uff0c\u56e0\u6b64\u60a3\u8005\u4e0d\u4e3a\u8be5\u9879\u670d\u52a1\u4ed8\u8d39\u3002\u9884\u7ea6\u65f6\u770b\u5230\u201c\u63a5\u53d7 Medicare\u201d\u5e76\u4e0d\u81ea\u52a8\u8868\u793a bulk bill\uff0c\u6700\u597d\u76f4\u63a5\u95ee\uff1a<em>\u201cIs this appointment bulk billed, and are there any other fees?\u201d<\/em><\/p>\n<h2>Medicare \u4e3a\u4ec0\u4e48\u4ecd\u4f1a\u7559\u4e0b\u8d39\u7528<\/h2>\n<ul>\n<li>\u6709\u4e9b\u533b\u751f\u4e0d bulk bill\uff0c\u6216\u53ea\u5bf9\u7279\u5b9a\u4eba\u7fa4\u3001\u7279\u5b9a\u65f6\u6bb5 bulk bill\u3002<\/li>\n<li>\u90e8\u5206\u670d\u52a1\u4e0d\u5728 Medicare \u8986\u76d6\u8303\u56f4\u5185\uff1b\u7259\u79d1\u3001\u773c\u955c\u548c\u6551\u62a4\u8f66\u7b49\u5c24\u5176\u4e0d\u80fd\u7b80\u5355\u5047\u5b9a\u514d\u8d39\u3002<\/li>\n<li>\u4e13\u79d1\u3001\u68c0\u67e5\u548c\u626b\u63cf\u5373\u4f7f\u53ef\u83b7\u8865\u52a9\uff0c\u4e5f\u53ef\u80fd\u4ecd\u6709 gap\u3002<\/li>\n<li>Medicare Safety Nets \u53ef\u5728\u4e00\u4e2a\u65e5\u5386\u5e74\u8fbe\u5230\u95e8\u69db\u540e\u63d0\u9ad8\u90e8\u5206\u9662\u5916\u670d\u52a1\u7684\u8fd4\u8fd8\uff0c\u4f46\u4e0d\u4f1a\u964d\u4f4e\u533b\u751f\u539f\u672c\u7684\u6536\u8d39\u3002<\/li>\n<\/ul>\n<p><strong>\u5b9e\u7528\u52a8\u4f5c\uff1a<\/strong>\u9884\u7ea6\u524d\u95ee\u603b\u4ef7\u3001Medicare rebate\u3001\u9884\u8ba1 gap\uff0c\u4ee5\u53ca\u662f\u5426\u9700\u8981\u8f6c\u8bca\uff1b\u5bb6\u5ead\u6216\u4f34\u4fa3\u4e5f\u53ef\u67e5\u770b\u662f\u5426\u5e94\u767b\u8bb0\u4e3a Medicare Safety Net family\u3002<\/p>\n<p><em>\u672c\u6587\u63d0\u4f9b\u4e00\u822c\u5236\u5ea6\u8bf4\u660e\uff0c\u4e0d\u4ee3\u66ff\u533b\u7597\u6216\u8d22\u52a1\u5efa\u8bae\u3002<\/em><\/p>\n<h2>\u653f\u5e9c\u539f\u59cb\u8d44\u6599<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.servicesaustralia.gov.au\/whats-covered-medicare?context=60092\" target=\"_blank\" rel=\"noopener\">Services Australia\uff1aMedicare \u8986\u76d6\u4ec0\u4e48<\/a><\/li>\n<li><a href=\"https:\/\/www.servicesaustralia.gov.au\/bulk-billing?context=60092\" target=\"_blank\" rel=\"noopener\">Services Australia\uff1aBulk billing<\/a><\/li>\n<li><a href=\"https:\/\/www.servicesaustralia.gov.au\/medicare-safety-nets\" target=\"_blank\" rel=\"noopener\">Services Australia\uff1aMedicare Safety Nets<\/a><\/li>\n<\/ul>\n<p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":17897162,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_geoff_meta_description_en":"Explains why Medicare isn\u2019t unlimited free care in Australia, covering how fees, Medicare benefits, gaps, and bulk billing work.","_geoff_meta_description_zh":"\u89e3\u6790\u4e3a\u4ec0\u4e48\u6709 Medicare \u4e5f\u4e0d\u7b49\u4e8e\u6bcf\u6b21\u770b\u75c5\u90fd\u514d\u8d39\uff0c\u8bf4\u660e\u8d39\u7528\u3001\u8865\u52a9\u3001\u5dee\u989d\uff08gap\uff09\u548c bulk billing 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